> ## Documentation Index
> Fetch the complete documentation index at: https://docs.velafi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Methods

> Complete reference for VelaFi payment method IDs — automatic and manual — with settlement times, bank partners, and sandbox ID mappings.

Every VelaFi transaction that involves a fiat payment leg requires a `paymentMethodId` field in the request body. This ID tells the API which banking rail, network, or settlement mechanism to use for the payin or payout. This page lists every supported payment method ID, its type (automatic or manual), its underlying banking partner (trench), and key operational details so you can select the right method for each use case.

## Payment Method Types

VelaFi divides payment methods into two types:

* **Automatic** — The platform initiates and reconciles the transaction without manual intervention. These methods are suitable for programmatic, real-time, or near-real-time payment flows.
* **Manual** — A human review or manual bank instruction is involved on at least one side of the transaction. Use these methods for high-value, SWIFT-based, or non-standard corridors.

## Payment Method ID Reference

> [!NOTE]
>
> Some payment method IDs differ between the sandbox and production environments. Where a sandbox ID exists, it is shown in parentheses next to the production ID (e.g., `63 (Sandbox: 18)`). Always use the correct ID for the environment you are targeting.

> [tab] Automatic Methods
>
> | Payment ID | Name | Trench / Bank | Direction |
> | - | - | - | - |
> | 105 | SPEI (Finco Pay) | CLABE - FINCO PAY | Pay-in and payout |
> | 72 | SPEI (Tesored) | CLABE - TESORED | Pay-in and payout |
> | 63 *(Sandbox: 18)* | CBU/CVU (Momentum) | CVU - Momentum | Pay-in and payout |
> | 137 | 3.0 Transfer (QR) | QR Argentina | Pay-in and payout |
> | 81 *(Sandbox: 532)* | ACH (Reference - Lead Bank) | Lead Bank | Pay-in and payout |
> | 82 *(Sandbox: 533)* | ACH (Virtual - Lead Bank) | Lead Bank | Pay-in and payout |
> | 83 *(Sandbox: 534)* | FedWire (Reference - Lead Bank) | Lead Bank | Pay-in and payout |
> | 84 *(Sandbox: 535)* | FedWire (Virtual - Lead Bank) | Lead Bank | Pay-in and payout |
> | 85 | SEPA (Bridge) | Lead Bank | Pay-in and payout |
> | 90 | Pix (Genial) | BANCO GENIAL | Pay-in and payout |
> | 92 | Pix - Woovi | Avenia | Pay-in and payout |
> | 95 | Bank Transfer | PEN Account | Pay-in and payout |
> | 120 | Wire (CPN) | Circle Payment Network | Payout only |
> | 122 | FPS (CPN) | Circle Payment Network | Payout only |
> | 123 | CHATS (CPN) | Circle Payment Network | Payout only |
> | 124 | SEPA (CPN) | Circle Payment Network | Payout only |
> | 125 | BANK-TRANSFER (CPN) | Circle Payment Network | Payout only |
> | 127 | FEDWIRE (CPN) | Circle Payment Network | Payout only |
> | 106 | Wire (HK Trade Payouts) | — | Payout only |
> | 68 | Automatic ACH | COP Account | Pay-in and payout |
> | 69 | Bre-B | COP Account | Pay-in and payout |
> | 141 | PSE | COP Account | Pay-in only |
> | 142 | BanColombia | COP Account | Pay-in only |
> | 143 | Nequi | COP Account | Pay-in only |
> | 144 | QR Bre-B | COP Account | Pay-in only |
> | 70 | VelaFi Pending Fund | — | Pay-in and payout |

> [tab] Manual Methods
>
> | Payment ID | Name |
> | - | - |
> | 27 | Bank Transfer (Brazil) |
> | 28 | Bank Transfer (Argentina) |
> | 48 | Bank Transfer (Colombia) |
> | 56 | Manual ACH/WIRE |
> | 59 | Manual ACH - Perú |
> | 60 | Bank Transfer (Chile) |
> | 61 | Manual USD Payments (CHATS) |
> | 62 | Bridge |
> | 89 | SEPA |
> | 103 | SEPA |
> | 500 | Bank Transfer (Bolivia Manual) |
> | 501 | WIRE (HK TRADE PAYIN) |
> | 503 | Manual CNY Payout |
> | 504 | Manual Global USD Payout |
> | 505 | TED |

## Sandbox vs. Production IDs

The following methods use **different IDs in the sandbox environment**. If you use a production ID in the sandbox — or vice versa — the request will fail.

| Method | Production ID | Sandbox ID |
| - | - | - |
| CBU/CVU (Momentum) | 63 | 18 |
| ACH (Reference - Lead Bank) | 81 | 532 |
| ACH (Virtual - Lead Bank) | 82 | 533 |
| FedWire (Reference - Lead Bank) | 83 | 534 |
| FedWire (Virtual - Lead Bank) | 84 | 535 |

## Payment Method FAQ

The table below gives you a quick operational overview of each major payment method: the region it covers, the direction it supports, the settlement window, and any notable features or restrictions.

> [accordion] ACH — United States (USD)
>
> | Attribute | Partner Account | User Account |
> | - | - | - |
> | Region | 🇺🇸 US | 🇺🇸 US |
> | Currency | USD | USD |
> | Direction | Payin + Payout | Payin |
> | Settlement | T+0 or T+1 | T+0 or T+1 |
> | Conciliation | Static Memo, Dynamic Memo | Virtual account / vIBAN |
> | Bank | Lead Bank | Lead Bank |
> | Status | Live | Live |

> [accordion] Wire — United States (USD)
>
> | Attribute | Partner Account | User Account |
> | - | - | - |
> | Region | 🇺🇸 US | 🇺🇸 US |
> | Currency | USD | USD |
> | Direction | Payin + Payout | Payin |
> | Settlement | T+0 | T+0 |
> | Conciliation | Static Memo, Dynamic Memo | Virtual account / vIBAN |
> | Bank | Lead Bank | Lead Bank |
> | Status | Live | Live |

> [accordion] SPEI — Mexico (MXN)
>
> | Attribute | Value |
> | - | - |
> | Region | 🇲🇽 Mexico |
> | Currency | MXN |
> | Direction | Payin + Payout |
> | Account Beneficiary | User |
> | Settlement | Instant 24x7 |
> | Conciliation | Virtual account / vIBAN |
> | Bank | Finco Pay (payment ID 105), Tesored (payment ID 72) |
> | Features | Reference |
> | Status | Live |

> [accordion] CVU — Argentina (ARS)
>
> | Attribute | Value |
> | - | - |
> | Region | 🇦🇷 Argentina |
> | Currency | ARS |
> | Direction | Payin + Payout |
> | Account Beneficiary | User |
> | Settlement | Instant 24x7 |
> | Conciliation | Virtual account / vIBAN |
> | Bank | Momentum Pagos |
> | Features | Reference |
> | Tax | IDC 60 bps each side |
> | Status | Live |

> [accordion] PSE — Colombia (COP)
>
> | Attribute | Value |
> | - | - |
> | Region | 🇨🇴 Colombia |
> | Currency | COP |
> | Direction | Payin |
> | Account Beneficiary | Partner |
> | Settlement | Instant 24x7 |
> | Conciliation | Dynamic Memo |
> | Features | Reference |
> | Tax | GMF 40 bps |
> | Status | Enabled (payment ID 141) |

> [accordion] ACH — Colombia (COP)
>
> | Attribute | Value |
> | - | - |
> | Region | 🇨🇴 Colombia |
> | Currency | COP |
> | Direction | Payout |
> | Account Beneficiary | VelaFi |
> | Settlement | T+0 or T+1 |
> | Bank | Banco Coopcentral |
> | Features | Reference |
> | Tax | GMF Waived |
> | Status | Enabled (payment ID 68) |

> [accordion] Pix — Brazil (BRL)
>
> | Attribute | Value |
> | - | - |
> | Region | 🇧🇷 Brazil |
> | Currency | BRL |
> | Direction | Payin + Payout |
> | Account Beneficiary | VelaFi |
> | Settlement | Instant 24x7 |
> | Conciliation | Static Memo, Dynamic Memo, Sender's info |
> | Bank | Genial (payment ID 90), Avenia (payment ID 92) |
> | Features | Reference |
> | Status | Enabled (payment IDs 90 and 92) |

> [accordion] ACH — Peru (PEN)
>
> | Attribute | Value |
> | - | - |
> | Region | 🇵🇪 Peru |
> | Currency | PEN |
> | Direction | Payout |
> | Account Beneficiary | Partner |
> | Settlement | T+0 or T+1 |
> | Features | Reference |
> | Notes | Source of Funds (SoF) required for amounts exceeding 10,000 PEN |
> | Status | Enabled (payment ID 59, manual) |


## Related topics

- [List Supported Payment Methods](https://docs.velafi.com/api-reference/beneficiary/get-supported-payment-methods.md)
- [List Fiat→Fiat Payment Methods](https://docs.velafi.com/api-reference/basic-configuration/get-fiat-fiat-payment-methods.md)
- [List Fiat→Crypto Payment Methods](https://docs.velafi.com/api-reference/basic-configuration/get-fiat-crypto-payment-methods.md)
- [List Crypto→Fiat Payment Methods](https://docs.velafi.com/api-reference/basic-configuration/get-crypto-fiat-payment-methods.md)
- [Error Codes](https://docs.velafi.com/docs/error-codes.md)


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